How do I plan a budget? How do I pay my bills on time? Why don't I have money at the end of the month? How do I set up a bank account? Learn the answers to these questions in Managing Money: Spending and Saving Wisely, a new workbook for people learning to organize their finances for the first time. Managing Money offers common sense tools and advice for creating and sticking to a realistic budget. This is a useful resource for individuals and group-learning environments. Each section of the book comes with easy-to-use charts and ends with a test. A perfect tool for building independent living skills.